1996 Suzuki Sidekick Insurance Cost – 8 Discounts for Cheapest Prices

Beginners to comparing car insurance rates on the internet are likely to discover sourcing low cost auto insurance is very challenging.

Cheaper rates with these eight discounts

Insurance can be prohibitively expensive, but you might find some hidden discounts that you may not even know about. Many discounts should be triggered at the time of purchase, but a few must be manually applied before you get the savings.

• 55 and Retired – If you’re over the age of 55, you may be able to get a discount up to 10% on Sidekick insurance.
• No Claims – Drivers who don’t have accidents can earn big discounts when compared to drivers with a long claim history.
• Pay Now and Pay Less – By paying your policy upfront instead of paying each month you may reduce your total bill.
• Sign Online – Some insurance companies give back up to $50 for buying a policy and signing up online.
• Smart Student Discounts – This discount may save you up to 25%. The discount lasts up until you turn 25.
• Multiple Cars – Buying insurance for several vehicles on one policy can reduce rates for all insured vehicles.
• Drive Less and Save – Driving fewer miles may enable drivers to earn substantially lower rates.
• Anti-lock Brake Discount – Vehicles equipped with ABS or steering control have fewer accidents and the ABS can save up to 10%.

Discounts lower rates, but some of the credits will not apply to the entire policy premium. Most only reduce individual premiums such as comprehensive or collision. Even though it appears adding up those discounts means a free policy, companies don’t profit that way. But any discount should help lower the cost of coverage.

A few popular companies and a partial list of their discounts are:

• State Farm may offer discounts for anti-theft, defensive driving training, safe vehicle, multiple autos, and passive restraint.
• American Family has discounts for Steer into Savings, good driver, good student, accident-free, mySafetyValet, early bird, and defensive driver.
• AAA has savings for anti-theft, pay-in-full, good driver, multi-policy, education and occupation, and good student.
• Geico offers discounts including anti-theft, defensive driver, air bags, daytime running lights, federal employee, anti-lock brakes, and membership and employees.
• Mercury Insurance offers premium reductions for location of vehicle, low natural disaster claims, multi-car, ease of repair, annual mileage, multi-policy, and good student.
• Farmers Insurance includes discounts for business and professional, pay in full, electronic funds transfer, mature driver, switch companies, good student, and bundle discounts.
• Progressive may include discounts for multi-policy, homeowner, online signing, good student, continuous coverage, online quote discount, and multi-vehicle.

When comparing rates, check with every insurance company which discounts you may be entitled to. Depending on the company, some discounts may not apply in your state.

What is the best car insurance coverage?

When buying the best car insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s needs are different.

Here are some questions about coverages that can aid in determining whether you would benefit from an agent’s advice.

• How can I force my company to pay a claim?
• Is there coverage for injuries to my pets?
• What is no-fault insurance?
• What vehicles should carry emergency assistance coverage?
• What is PIP insurance?
• How high should deductibles be on a 1996 Suzuki Sidekick?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form.

Car insurance coverage information

Learning about specific coverages of car insurance can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement.

Comprehensive insurance – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from flooding, fire damage, rock chips in glass and hitting a deer. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability – Liability insurance protects you from injuries or damage you cause to other people or property that is your fault. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like emergency aid, legal defense fees and pain and suffering. How much coverage you buy is your choice, but buy higher limits if possible.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for doctor visits, EMT expenses, hospital visits, prosthetic devices and surgery. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Collision coverages – Collision coverage will pay to fix damage to your Sidekick from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as rolling your car, sustaining damage from a pot hole, damaging your car on a curb and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as damage to your Suzuki Sidekick.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Spend less. Save more.

While you’re price shopping online, don’t be tempted to sacrifice coverage to reduce premiums. In many cases, consumers will sacrifice collision coverage and discovered at claim time that they should have had better coverage. Your objective should be to purchase a proper amount of coverage at the best cost, but do not sacrifice coverage to save money.

Drivers switch companies for any number of reasons including extreme rates for teen drivers, questionable increases in premium, an unsatisfactory settlement offer or delays in paying claims. It doesn’t matter what your reason, choosing a new insurance company can be pretty painless.

We covered many ideas to get a better price on 1996 Suzuki Sidekick insurance. The most important thing to understand is the more providers you compare, the higher the chance of saving money. You may even discover the best price on car insurance is with some of the smallest insurance companies.

More detailed car insurance information can be found by following these links:

• Distracted Driving Extends Beyond Texting (State Farm)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Top Signs Your Brakes are Giving Out (State Farm)
• Crash Avoidance Technologies FAQ (iihs.org)
• Auto Insurance 101 (About.com)
• Coverage Information (Progressive Insurance)